{"id":2645230,"date":"2012-08-18T14:25:16","date_gmt":"2012-08-18T11:25:16","guid":{"rendered":"https:\/\/www.arb.ro\/?p=659"},"modified":"2024-01-20T14:15:14","modified_gmt":"2024-01-20T12:15:14","slug":"emiterea-de-obligatiuni-ipotecare","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/emiterea-de-obligatiuni-ipotecare\/","title":{"rendered":"O \u0219ans\u0103 pentru finan\u021barea b\u0103ncilor - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2645230\" class=\"elementor elementor-2645230\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a737484 e-flex e-con-boxed e-con e-parent\" data-id=\"3a737484\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-372c7890 elementor-widget elementor-widget-text-editor\" data-id=\"372c7890\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Emiterea de obliga\u021biuni ipotecare<\/h3><p style=\"text-align: justify;\">Sergiu Oprescu, Pre\u0219edinte Executiv Alpha Bank \u0219i membru al Consiliului Director al ARB, <em>Pia\u021ba Financiar\u0103, iulie-august 2012<\/em><br \/><em><br \/>M\u0103surile adoptate \u00een aceast\u0103 perioad\u0103, c\u00e2nd criza a determinat ca finan\u0163area \u00een plan interna\u0163ional s\u0103 fie mai scump\u0103 \u015fi mai greu de ob\u0163inut, ar trebui concentrate \u015fi caden\u0163ate de asemenea manier\u0103 \u00eenc\u00e2t s\u0103 permit\u0103 b\u0103ncilor s\u0103 atrag\u0103 \u00een portofoliu resurse financiare la costuri optime, inclusiv prin lichidizarea portofoliilor de credite ipotecare. B\u0103ncile rom\u00e2ne\u015fti ar trebui s\u0103 emit\u0103 obliga\u0163iuni ipotecare pentru a-\u015fi finan\u0163a portofoliile de credite \u015fi a-\u015fi echilibra activele pe maturit\u0103\u0163i mai lungi, reduc\u00e2nd astfel mismatch-ul de maturitate.<\/em><\/p><p style=\"text-align: justify;\">Obliga\u0163iunile garantate cu crean\u0163e au \u00een general un rating de credit mai bun. Introducerea de obliga\u0163iuni garantate cu crean\u0163e imobiliare ar permite institu\u0163iilor de credit s\u0103 atrag\u0103 resurse financiare la un cost mai sc\u0103zut dec\u00e2t prin alte instrumente, ceea ce ar putea conduce la diminuarea costurilor credit\u0103rii ipotecare pentru consumatori. Riscul ar fi mai redus pentru investitori dec\u00e2t la emisiunile de bonduri f\u0103r\u0103 garan\u0163ii, iar investitorii ar putea include \u00een list\u0103 Rom\u00e2nia \u015fi direc\u0163iona fonduri pe zona obliga\u0163iunilor ipotecare. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor a ini\u0163iat demersurile pentru a con\u015ftientiza autorit\u0103\u0163ile referitor la necesitatea alinierii cadrului legislativ \u015fi institu\u0163ional astfel \u00eenc\u00e2t s\u0103 permit\u0103 emiterea de obliga\u0163iuni ipotecare, atr\u0103g\u00e2nd astfel surse cu maturit\u0103\u0163i mai lungi.<\/p><p style=\"text-align: justify;\">Emisiunile de obliga\u0163iuni garantate cu crean\u0163e imobiliare contribuie la extinderea maturit\u0103\u0163ii pasivelor, permi\u0163\u00e2nd b\u0103ncilor echilibrarea adecvat\u0103 a portofoliului de active cu maturit\u0103\u0163i lungi \u015fi ofer\u0103 stabilitate surselor de finan\u0163are, deci implicit cre\u015fterea predictibilit\u0103\u0163ii profilelor de maturitate. Obliga\u0163iunile ipotecare<br \/>permit emitentului s\u0103-\u015fi diversifice baza de investitori, at\u00e2t ca geografie, c\u00e2t \u015fi ca tip de investitor, iar sursa de finan\u0163are s-a dovedit rezilient\u0103, chiar \u015fi \u00een vremuri de instabilitate financiar\u0103, datorit\u0103 faptului c\u0103 performan\u0163a obliga\u0163iunilor ipotecare este conectat\u0103 la performan\u0163a obliga\u0163iunilor de stat din \u0163ara emisiunii \u015fi mai pu\u0163in la performan\u0163a emitentului.<\/p><p style=\"text-align: justify;\">Modificarea reglement\u0103rilor privind obliga\u0163iunile ipotecare trebuie s\u0103 asigure flexiblitate \u00een ceea ce prive\u015fte valuta emisiunii, exist\u00e2nd riscul unor blocaje dac\u0103 emisiunile se fac doar \u00een moneda na\u0163ional\u0103, iar o alt\u0103 condi\u0163ie este ca pool-ul de credite s\u0103 fie dinamic. Activele care ajung la maturitate sau care nu mai \u00eendeplinesc condi\u0163iile de eligi bilitate pot fi \u00eenlocuite de emitent, pentru a asigura \u00een permanen\u0163\u0103 o acoperire a obli ga \u0163iu nilor ipotecare cu crean\u0163e generate de portofoliul de active.<\/p><p style=\"text-align: justify;\"><em>Modificarea reglement\u0103rilor privind obliga\u0163iunile ipotecare trebuie s\u0103 asigure flexibilitate \u00een ceea ce prive\u015fte valuta emisiunii, exist\u00e2nd riscul unor blocaje dac\u0103 emisiunile se fac doar \u00een moneda na\u0163ional\u0103, iar o alt\u0103 condi\u0163ie este ca pool-ul de credite s\u0103 fie dinamic.<\/em><\/p><p style=\"text-align: justify;\">Rom\u00e2nia \u00eenregistreaz\u0103 o situa\u0163ie atipic\u0103, fiind singura \u0163ar\u0103 din UE care nu are \u00eenc\u0103 o astfel de emisiune, de\u015fi soldul creditelor ipotecare de peste 7,8 miliarde de euro este suficient pentru a trece la emisiuni de obliga\u0163iuni ipotecare, fiind superior portofoliului de la care statele din regiune au \u00eenceput astfel de ope &#8211;<br \/>ra\u0163iuni. Soldul creditelor pentru locuin\u0163e ocup\u0103 o pondere de aproximativ 15% din soldul creditului neguvernamental acordat popula\u0163iei \u015fi companiilor.<\/p><p style=\"text-align: justify;\">Rom\u00e2nia are cel mai redus stoc de credite ipotecare relativ la PIB din UE, de 5,5%, \u00een condi\u0163iile \u00een care \u00een UE- 27 media stocului de credite relativ la PIB a fost de 44,4% \u00een 2011. Soldul obliga\u0163iunilor ipotecare la nivel european a urcat p\u00e2n\u0103 la 1.700 de miliarde euro la finele anului trecut, ceea ce asigur\u0103 25% din<br \/>finan\u0163area ipotecar\u0103, cei mai mari emiten\u0163i de obliga\u0163iuni ipotecare fiind Spania, Danemarca, Germania, Marea Britanie, Fran\u0163a \u015fi Suedia.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77a3ec9 elementor-widget elementor-widget-button\" data-id=\"77a3ec9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/Oprescu-obligatiuni-ipotecare.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<h3>Emiterea de obliga\u021biuni ipotecare<\/h3>\n<p>Sergiu Oprescu, Pre\u0219edinte Executiv Alpha Bank \u0219i membru al Consiliului Director al ARB &#8211; <em>Pia\u021ba Financiar\u0103, iulie-august 2012<\/em><\/p>","protected":false},"author":3,"featured_media":2646386,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[55,56,57],"class_list":["post-2645230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-emiterea-de-obligatiuni-ipotecare","tag-obligatiuni-ipotecare","tag-sergiu-oprescu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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